the local united way says its donation fund has already reached the $2.8 million mark. president obama enjoyed the first day of his annual hawaii an vacation with a round of golf. later he had dinner with family and friends and he is expected at a memorial service for the late hawaii an senator. he promises to be back after the holiday for the fiscal cliff talks. and some gratuitous baby animal video courtesey of the san diego zoo. too cute, too cute. the zoo's panda cub had a blast with this new toy during the latest health exam. the zookeepers gave him that ball to test his coordination. just as cute as can be. so what could going over the fiscal cliff mean for you and for your investments? joining us are a husband and wife team of financial advisors. a highly respected team. founder of ettleman services and author of rescue your money. and joining us is gene ettleman. welcome to you both. a lot of people are scared for this fiscal cliff and what it means for their investment. what should people be concerned about before the end of the year? >> in a few rare cases peo